Standardizing the law - laying the foundation for transparency
One of the biggest barriers to converting models is legal procedures. In order to remove this difficulty, TPBank has coordinated with reputable consulting units, supported business households in completing documents, registering for taxes and converting models in accordance with current regulations.
Through the TPBankbiz application, businesses can open a business account completely online in just a few minutes. The eKYC process helps quickly authenticate, receive your account number immediately for 24/7 transactions without having to go to the counter. The documents are streamlined, including only the business registration certificate and the citizen identification card of the legal representative.
In particular, customers can choose a beautiful account number associated with birth date, phone number or business license - both convenient to follow and contributing to building a professional image in the eyes of partners. TPBank also launched incentives for free account maintenance and free domestic money transfer transactions on TPBankbiz, helping businesses reduce costs right from the first stage of conversion.
In response to the new management requirements in the field of gold and jewelry according to Decree 232/2025/ND-CP, TPBank also quickly introduced the Kim Hoang Phat Tai account combo, designed specifically for this customer group. The account set comes with incentives such as free opening and maintaining, free transfer on TPBankbiz, free cash payment at the counter, giving away the definitely issued within the phong thu account number (9999, 8686...) and a unique QR code for cross-border transactions.
Digitizing operations - from electronic invoices to overall governance
TPBank provides a full set of solutions for points of sale: from issuing electronic invoices, QR payments, POS, softPOS to the "Loa Ting Ting" device to announce transactions immediately. When the process of collecting - paying - invoices - paying taxes is automated, business households not only meet management requirements but also save up to 30% of operating costs.
In that ecosystem, TPBankbiz plays a role as a "digital operations center", where all financial activities are integrated on one platform: from opening an account, completing KYC, paying taxes electronically, paying to managing cash flow.
Not stopping at basic tasks, the application also integrates many additional utilities such as statements, online checks, notification of balance changes to store chain employees or a functional QR code to serve international tourists - in the spirit of "1 touch, 1 platform, all transactions".
To reduce cost pressure in the early stages of digitalization, TPBank cooperated with Bluecom to implement a special incentive program: reducing 90% of the cost of sales management software, electronic invoices and VietQR digital signatures. Instead of 3.11 million VND, businesses only need 300,000 VND for a year of complete use, including revenue management, unlimited issuance of electronic invoices and secure digital signatures.
Unlocking loans - supporting the growth period
Based on transparent transaction data, TPBank has implemented "tailored" credit packages specifically for small traders and small businesses. Customers can quickly borrow on the application, disburse in just a few minutes, or access loan packages suitable for mobile capital needs. Business cards are also integrated to support spending management and optimize cash flow during operations.
The difference in TPBank's approach is that the appraisal mechanism is based on actual cash flow, instead of only depending on mortgaged assets. This opens up opportunities to access capital for many small business households - a group of customers who have had difficulty borrowing from banks before. In addition, the 3-year salary exemption package also helps homeowners reduce costs and gradually upgrade personnel management standards.
The solution alliance - international reputation guarantees
To support business households to accelerate conversion, TPBank cooperates strategically with MobiFone, forming a "digital alliance" connecting telecommunications - finance - technology. Thanks to that, customers can access a complete package of synchronous solutions, from telecommunications infrastructure, payment tools to electronic invoices, contributing to promoting cashless payments and sustainable digital transformation.
This effort is also recognized at the international level. Last September, TPBank was honored by the Asian Development Bank (ADB) as "Leading partner bank in Vietnam" and "Leading commercial finance bank for SME" for the 4th consecutive year (2022-2025).
